Survey Finds Low Trust in Banks Against Deepfakes
A 2026 FIS Consumer Pulse Survey finds consumers across four markets are doubtful their banks could stop AI-driven scams or refund stolen money.
Updated on Nov. 1, 2026 in Banking
Live Poll
Do you trust your bank to stop a deepfake scam before money leaves your account?
FIS released the 2026 FIS Consumer Pulse Survey on consumer trust in banks against deepfake scams. Only 23% of Hong Kong consumers said they were confident their banks could stop a deepfake scam before money leaves their accounts, the lowest share among four surveyed markets.
Why it matters
The findings suggest that consumer willingness to rely on AI-driven banking depends heavily on guarantees and protections, not just convenience. Banks may face pressure to clarify refund policies and fraud safeguards as AI tools become more common in personal finance.
The 2026 FIS Consumer Pulse Survey reports that 62% of respondents used generative AI for financial matters in the past 12 months, while 46% were comfortable letting AI move some of their money without approving every transaction. The survey does not indicate how these attitudes may change as deepfake scam awareness grows.
The players
FIS
FIS is a global financial technology company that provides banking and payments software and services to financial institutions.
The details
Respondents were asked about comfort levels with AI performing banking tasks, including tracking spending, paying recurring bills, and moving money between accounts. Among those surveyed, 61% ranked guaranteed refunds for AI mistakes among their top three requirements for trusting AI with their money.
Timeline
The survey covered responses gathered over the past 12 months regarding generative AI use for financial matters.
The 2026 FIS Consumer Pulse Survey was published in 2026.
Market Dynamics
The FIS survey adds consumer-trust data to the growing debate over how banks should guard against AI-enabled fraud. Its results show a gap between widespread AI adoption in personal finance and limited confidence in bank protections.
Consumers weighing AI-driven money tools may want to check whether their bank guarantees refunds for unauthorized or AI-caused transactions. The survey suggests that refund guarantees are a key factor for many people deciding whether to trust AI with their money.
The takeaway
Before letting AI tools move money, review your bank's refund and fraud policies. Confirm what protections apply if a transaction is an AI error or a deepfake-driven scam.
Further reading
For more on how banks handle fraud and account protection, explore the Banking section.
Source note: This article includes information reported by Asian Banking & Finance.
Live Poll
Do you trust your bank to stop a deepfake scam before money leaves your account?
